Chartered Risk Management Institute of Nigeria

Mr. Gubio attended King’s College, Lagos, and proceeded to Ahmadu Bello University, Zaria, where he graduated with a B.Pharm degree (1989). He subsequently obtained an MBA (Finance) degree from the University of Maiduguri (1995) and has acquired work experience spanning across the academia, pharmaceutical industry and the banking sector. Commencing his banking career with the erstwhile FSB International Bank Plc in 1997 as a frontline/marketing officer, he rose to become Branch Manager in the Kaduna South Branch of the Bank in 2003. While at FSB International Bank, he was a member of the Bank’s turnaround team responsible for implementing change management initiatives across all its platforms. Upon leaving FSB in 2004, Mr. Gubio joined the Guaranty Trust Bank Plc in 2004 as Group Head of the Retail (Advantium) Banking Group with responsibility for the North-west region. In 2006, Mr. Gubio made a career change to take up a Risk Management role in UBA Plc, first as a credit underwriter/manager in the head office, and, subsequently, as head of Risk Management in UBA Sierra Leone Limited, sequel to his secondment to the budding subsidiary in 2008. As a member of the pioneer Management team in UBA Sierra Leone, he contributed to driving the Bank’s regional expansion strategy while anchoring the Risk Management and Compliance roles. Mr. Gubio proceeded to join the services of the Nigerian Export-Import (NEXIM) Bank in October 2011. Serving first as Unit head of Credit Risk Management, he rose to become the Chief Risk and Compliance Officer in 2017. A Fellow of the Chartered Risk Management Institute (CRMI) and a Chartered Certified Forensic Accountant/Auditor (CCFRA), he has also attended courses at Harvard Business School and the Lagos Business School.